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Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. Terms, conditions and fees for accounts, products, programs and services are subject to change. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following.

Then, you'll be notified by email each month when your statement is available online

Free

Account Linking

Linking your Citi accounts can save you time and money. That's because you can access your accounts in one place and transfer funds between linked accounts. Plus, linking can help you avoid monthly fees and enjoy relationship pricing.

eBills

Then, go to Payments, set up your payee list and enroll your payees in the eBills service to start receiving and managing bills

Free

Account Linking

Linking your Citi accounts can save you time and money. That's because you can access your accounts in one place and transfer funds between linked accounts. Plus, linking can help you avoid monthly fees and enjoy relationship pricing.

Then you can link your Citi® products together and manage them from a single place

Free

Inter - Institution Transfers

Inter Institution Transfers let you make online transfers between your Citibank accounts and your accounts at other banks, brokerages and credit unions in the U.S. It's quick and currently there are no fees to send or receive money.

Then, go to Transfers and set up your non-Citi account by providing the account number and ABA number—once the account is added, you're ready to make an Inter Institution Transfer

Free

Popmoney®

The hassle of cash and checks is so yesterday. Welcome to Popmoney—the new way to "Pay Other People" directly from your Citibank account. It's quick and currently there are no fees to send or receive money.

Then, go into any branch and apply for Checking Plus® line of credit or call 1-877-362-9100, Text Telephone (TTY) 1-800-788-0002

Safety Check

Few things in life are more frustrating than bouncing a check. That's why there's Safety Check. Safety Check transfers funds to your checking account from your savings or money market account in the event your checking account is ever overdrawn.

Checking Plus® (variable rate) line of credit

The protection you need, the flexibility you want.

A Checking Plus® line of credit account provides the overdraft protection you need to make bounced checks a thing of the past. If approved, you can also use this revolving line of credit whenever you need quick access to cash.

With Citibank Account Package and Basic Banking Package

What You Get

A Checking Plus® line of credit automatically transfers funds from your credit line to your checking account to cover your overdraft plus any fees.Footnote 2 That means no more bounced checks!Footnote 3

If there's an outstanding balance on your Checking Plus account, the minimum payment is automatically deducted each month from your linked checking account. It's that easy.

How It Works

The amount transferred is rounded up to the nearest $100, so you have extra protection if other overdrafts occur. You also can borrow funds from your Checking Plus® line of credit directly OR transfer funds from Checking Plus® to any linked account, such as checking, savings or a money market.

To qualify, you must have an annual income of at least $10,500. You must have and fund an eligible Citibank deposit account (e.g. checking, savings, CD, or money market) with at least $1 within 21 days from the date of application.

Rates as of 03/19/2018. Current variable Annual Percentage Rate (APR): 19.50%;
16.50% variable APR with the Citigold Account Package and the Citi Priority Account Package. If you are in default, your variable APR may increase by 2.00%. to footnote refence 1

Citibank will charge an Overdraft Protection Transfer Fee of $10 on the day we cover overdrafts by transferring money from your Checking Plus line of credit account or your Checking Plus® (variable rate) line of credit account. The Overdraft Protection Transfer Fee will be charged to the checking account that receives the transfer. This fee is waived for the Citigold® Account Package, Citi Priority Account Package, Access Account Package (as of July 18, 2014, new checkless Regular Checking Accounts in an Access Account Package cannot have a linked Checking Plus (variable rate) line of credit account) and Citi Private Bank customers. Overdrafts and Overdraft Protection Transfer Fees can be avoided if fund transfers are taken in advance via online, phone or ATM. to footnote refence 2

A Checking Plus (variable rate) line of credit account will prevent a check from being returned unpaid only to the extent your line of credit is unused and available for this purpose. to footnote refence 3

You are applying for an account package that requires you to open both a checking and savings account. If you want only one account type, you can choose a different account package.

You are viewing Rates and Terms & Conditions applicable to a state other than where you live. These Rates and Terms & Conditions may differ from those applicable to your state of residence and will not apply to new accounts you open online. When you open your new account online, Rates and Terms & Conditions will be determined by your state of residence.

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Rates

Help & Support

Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. Terms, conditions and fees for accounts, products, programs and services are subject to change. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following.